Homeowners Find Insurance Companies Routinely Pay Less Than Policies Promise " Insurers often pay 30 percent to 60 percent of the cost of rebuilding a damaged home - even when carriers assure homeowners they’re fully covered, thousands of complaints with state insurance departments and civil court cases show."..."An internal e-mail introduced in the Farmers lawsuit shows the company had pressured its adjusters, whom it calls claims representatives, or CRs, to pay out smaller amounts - and rewarded them when they did. “As you know, we have been creeping up in settlements,” David Harding, a Farmers claims manager, wrote in an e-mail to employees on Nov. 20, 2001. “Our CRs must resist the temptation of paying more just to move this type file. Teach them to say, ‘Sorry, no more,’ with a toothy grin and mean it.” Harding praised a worker for making low settlements. “It can be done as Darren consistently does,” he wrote. “If he keeps this up during 2002, we will pay him accordingly.” 8/12/07 , Farmers Insurance Group Sucks! Farmers Insurance is one of the worst, if not the worst insurance company around as you will see by the many testimonials, claims, lawsuits, allegations, number of complaints and articles on this site. Post a complaint, view a complaint., Our Story Defending Free Speech: Farmers Insurance alleges Trademark Infringement.